Who typically purchases contractors all risks insurance for a construction site?

The main contractor is typically responsible for purchasing contractors all risks insurance for a construction site. This type of insurance covers damages to the works, as well as liabilities arising on-site during the course of construction. The primary contractor oversees the project, coordinating various aspects of the construction process, which makes it logical for them to manage the associated risks, including securing relevant insurance coverage.

While property developers may have a vested interest and occasionally ensure that insurance is in place, it is usually the responsibility of the main contractor to arrange this specific insurance. Architects are primarily focused on design and planning and do not usually engage in the procurement of site insurance. Sub-contractors work under the main contractor and typically do not take on insurance for the overall construction site but may have their own insurance for their specific activities. Therefore, the main contractor is the most fitting choice for purchasing contractors all risks insurance, reflecting their role in managing the project and its associated risks.